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FAB Emirati Al Awwal Savings Certificates
Emirati Al Awwal Savings Certificates
Features
- Fully Shariah-compliant Islamic savings certificate, structured in line with ethical banking principles.
- Exclusively available to UAE nationals, making it a dedicated savings product for Emirati citizens.
- Each certificate carries a fixed denomination of AED 1,000, allowing customers to purchase multiple certificates based on their savings capacity.
- Certificates are issued and maintained only in UAE Dirhams (AED).
- Offers an assured annual profit, credited directly to the customer’s linked account.
- Provides automatic entry into regular prize draws, offering significant cash rewards.
- Annual mega prize of AED 1,000,000 for one winner.
- Half-yearly prize of AED 200,000 for one winner.
- Quarterly prizes of AED 5,000 awarded to multiple winners.
- Minimum holding periods apply to qualify for various prize draws.
- Certificates can be purchased in the name of minors, supporting long-term family savings and future planning.
- All prize draws are conducted under official regulatory supervision to ensure transparency and fairness.
Required Documents
- Applicant must be a UAE national (Emirati citizen).
- Valid Emirates ID is mandatory.
- Additional identification or supporting documents may be required as part of standard banking and regulatory procedures.
- For minors, documentation of the legal guardian may be required.
Main Benefits
- Earns a guaranteed annual profit, regardless of prize draw outcomes. Multiple opportunities throughout the year to win high-value cash prizes.
- Designed in strict accordance with Islamic finance principles, ensuring ethical and compliant savings.
- Fixed certificate value makes it easy to build savings gradually or in larger amounts.
- Suitable for both individual savers and families planning for future generations.
- Backed by one of the UAE’s leading Islamic banking institutions.
- Prize draws conducted under regulatory oversight, ensuring credibility and confidence.
Frequently Asked Questions
Q. What is Emirati Al Awwal?
A. It is a Shariah-compliant savings certificate created exclusively for UAE nationals, combining annual profit with the opportunity to win major cash prizes.
Q. Who can apply for this savings certificate?
A. Only UAE nationals are eligible to purchase and hold Emirati Al Awwal certificates.
Q. How does the profit work?
A. A fixed profit is credited annually to the customer’s linked account, based on the prevailing terms.
Q. What prizes are offered?
A. Prizes include an annual AED 1 million mega prize, a half-yearly AED 200,000 prize, and multiple quarterly prizes of AED 5,000.
Q. Can certificates be purchased for children?
A. Yes. Certificates can be purchased in the name of a minor under the supervision of a parent or legal guardian.
Q. Is there a minimum holding period?
A. Yes. Certificates must be held for a minimum period to qualify for prize draws, depending on the draw category.
Q. Is this product Shariah-compliant?
A. Yes. The structure and operations fully comply with Islamic banking principles.
FAB
First Abu Dhabi Bank (FAB) is one of the largest banking institutions established in 2017 and is a merger of NBAD and FGB. FAB offers tailor made solutions, products and services to the customers.The international network of FAB is spread over 5 continents providing global relationships, expertise and financial strength to local and international business. FAB offers its diversifying services by having differentiation, agility and innovation as their main motto and vision
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